Logistic Regression

1

1

2

Feature importance
LeadList_M01NonPaymentCount 7.2020932
LeadList_CreditLimitChangeCount 2.2183045
LeadList_M01Expenses 3.9870634
LeadList_EconomicCondition105 1.2610260
LeadList_EconomicCondition110 3.6042876
LeadList_EconomicCondition160 1.5171734
LeadList_EconomicCondition199 2.3042654
LeadList_EconomicCondition201 0.4865222
LeadList_EconomicCondition206 0.9963296
LeadList_EconomicCondition214 0.1189232
LeadList_EconomicCondition333 0.4786988
LeadList_EconomicCondition334 1.8157875
LeadList_EconomicCondition339 2.8808807
LeadList_EconomicCondition340 0.0957341
LeadList_EconomicCondition344 0.1328899
LeadList_EconomicCondition345 3.2314602
LeadList_EconomicCondition350 1.2962995
LeadList_EconomicCondition400 1.4234051
LeadList_EconomicCondition410 3.0464031
LeadList_EconomicCondition420 2.1182982
LeadList_EconomicCondition440 0.4642193
LeadList_EconomicCondition460 0.7225279
LeadList_EconomicCondition500 1.9706129
LeadList_EconomicCondition510 0.0799824
LeadList_EconomicCondition532 0.0550473
LeadList_EconomicCondition550 0.2739993
LeadList_EconomicCondition600 1.5954271
LeadList_EconomicCondition603 0.0595232
LeadList_EconomicCondition777 5.1535672
LeadList_EconomicCondition888 1.2934191
LeadList_EconomicConditionNA 2.3046529
LeadList_M01Payment 1.8258302
LeadList_AmountOverdue 0.6364990
LeadList_Dgt120OverdueCount 0.1699727
LeadList_D30to59OverdueCount 7.5104368
LeadList_D60to89OverdueCount 1.0651616
LeadList_D90to119OverdueCount 0.3509184
LeadList_OverdueCount 13.6434222
LeadList_ProductCode74 2.3957542
LeadList_ProductCode75 1.1111348
LeadList_ProductCodeNA 2.4472074
LeadList_ratio_col11 4.7018196
LeadList_ratio_col12 1.9985429
LeadList_ratio_col13 0.7695661
LeadList_ratio_col14 2.0410961
ATCH_FilaJ1C2 1.4453690
ATCH_FilaJ1C3 2.6520167
ATCH_FilaJ1C4 0.7446250
ATCH_FilaJ1CA 23.4617658
ATCH_FilaJ1CR 5.1760258
ATCH_RiskLevel0 0.0079219
ATCH_RiskLevel1 0.4473949
ATCH_RiskLevel2 7.7172344
ATCH_RiskLevel3 3.4360443
ATCH_RiskLevel4 5.6520131
ATCH_SkillS_1_Pv_TDC_B>9 0.6808742
saldo30d_CRM 9.2340340
saldo60d_CRM 2.3839106
saldo90d_CRM 0.9308268
saldo_12_CRM 5.5736591
total_number_of_non_payments_CRM 0.6911127
Pago_Minimo_Actualizado_CRM 1.7652695
months_since_last_payment_CRM 62.4145477
months_since_last_purchase_CRM 0.6695055
AmountDueBin_CRM1a 14.4517570
AmountDueBin_CRM2a 6.2998151
AmountDueBin_CRM3a 2.2443008
AmountDueBin_CRM4a 1.4934318
AmountDueBin_CRM5a 0.1158766
AmountDueBin_CRM6a 1.9406477
AmountDueBin_CRM7a 2.8856611
AmountDueBin_CRM8a 2.3327122
AmountDueBin_CRMNA 4.0737093
Appearance_PV1_Rolling12_Cycle_LL 4.4310344
Appearance_PV1_Rolling6_Cycle_LL 1.1781482
Appearance_Gracia_Rolling6_Cycle_LL 1.4803518
Appearancesincollecbefore 1.9166105
MaxDepthInCollecBEfore 1.8281569
LastAppearanceInCollectionelevenmonthsback 0.7877379
LastAppearanceInCollectionfivemonthsback 1.9456716
LastAppearanceInCollectionfourmonthsback 3.7287717
LastAppearanceInCollectionNA 0.9416753
LastAppearanceInCollectionninemonthsback 2.8339757
LastAppearanceInCollectionnoappearance 5.3358497
LastAppearanceInCollectiononemonthback 7.9475359
LastAppearanceInCollectionsevenmonthsback 2.5454975
LastAppearanceInCollectionsixmonthsback 4.2330428
LastAppearanceInCollectiontenmonthsback 2.4604755
LastAppearanceInCollectionthreemonthsback 4.2943069
LastAppearanceInCollectiontwomonthsback 5.9581750
U6_TotalAmountDue 5.0937141

3

2

1

2

Feature importance
LeadList_M01NonPaymentCount 6.9569504
LeadList_CreditLimitChangeCount 2.2137099
LeadList_M01Expenses 4.3311303
LeadList_EconomicCondition105 1.2104128
LeadList_EconomicCondition110 3.3604723
LeadList_EconomicCondition160 0.9088060
LeadList_EconomicCondition199 0.6471624
LeadList_EconomicCondition201 0.3791408
LeadList_EconomicCondition206 0.5751868
LeadList_EconomicCondition214 0.1479884
LeadList_EconomicCondition333 0.2851962
LeadList_EconomicCondition334 1.2281622
LeadList_EconomicCondition339 1.8990754
LeadList_EconomicCondition340 0.4832403
LeadList_EconomicCondition344 0.0818022
LeadList_EconomicCondition345 4.0495028
LeadList_EconomicCondition350 1.5282779
LeadList_EconomicCondition400 4.3224113
LeadList_EconomicCondition410 3.4959301
LeadList_EconomicCondition420 1.4210276
LeadList_EconomicCondition440 0.2725618
LeadList_EconomicCondition460 1.0809343
LeadList_EconomicCondition500 1.2296521
LeadList_EconomicCondition510 0.1845155
LeadList_EconomicCondition550 1.8175879
LeadList_EconomicCondition600 1.2531870
LeadList_EconomicCondition603 0.0594954
LeadList_EconomicCondition777 4.9635452
LeadList_EconomicCondition888 0.5478212
LeadList_EconomicConditionNA 1.9739089
LeadList_M01Payment 1.6872033
LeadList_AmountOverdue 0.7660886
LeadList_Dgt120OverdueCount 0.0949906
LeadList_D30to59OverdueCount 7.1679519
LeadList_D60to89OverdueCount 0.9983811
LeadList_D90to119OverdueCount 0.5290170
LeadList_OverdueCount 12.6825550
LeadList_ProductCode74 2.8293548
LeadList_ProductCode75 1.3543920
LeadList_ProductCodeNA 2.4544164
LeadList_ratio_col11 4.6275692
LeadList_ratio_col12 0.7239101
LeadList_ratio_col13 1.4020651
LeadList_ratio_col14 1.9791633
ATCH_FilaJ1C2 2.1136724
ATCH_FilaJ1C3 2.7627761
ATCH_FilaJ1C4 1.2986736
ATCH_FilaJ1CA 22.8295324
ATCH_FilaJ1CR 5.4912832
ATCH_RiskLevel0 0.4222875
ATCH_RiskLevel1 0.7737497
ATCH_RiskLevel2 8.8510023
ATCH_RiskLevel3 3.9940300
ATCH_RiskLevel4 5.9252839
ATCH_SkillS_1_Pv_TDC_B>9 0.4609634
saldo30d_CRM 8.9117661
saldo60d_CRM 2.2265051
saldo90d_CRM 0.9505397
saldo_12_CRM 5.5044575
total_number_of_non_payments_CRM 0.9854979
Pago_Minimo_Actualizado_CRM 1.2367069
months_since_last_payment_CRM 62.3827556
months_since_last_purchase_CRM 0.3468278
AmountDueBin_CRM1a 14.6249186
AmountDueBin_CRM2a 7.2196036
AmountDueBin_CRM3a 3.4627160
AmountDueBin_CRM4a 2.3551099
AmountDueBin_CRM5a 0.3659880
AmountDueBin_CRM6a 1.6480529
AmountDueBin_CRM7a 2.2775602
AmountDueBin_CRM8a 1.6155426
AmountDueBin_CRMNA 4.8070274
Appearance_PV1_Rolling12_Cycle_LL 4.3562973
Appearance_PV1_Rolling6_Cycle_LL 1.2520672
Appearance_Gracia_Rolling6_Cycle_LL 1.2588789
Appearancesincollecbefore 1.1425067
MaxDepthInCollecBEfore 2.7448966
LastAppearanceInCollectionelevenmonthsback 1.4553246
LastAppearanceInCollectionfivemonthsback 1.6567356
LastAppearanceInCollectionfourmonthsback 3.6441454
LastAppearanceInCollectionNA 0.7889123
LastAppearanceInCollectionninemonthsback 2.1171621
LastAppearanceInCollectionnoappearance 4.9824979
LastAppearanceInCollectiononemonthback 7.5773297
LastAppearanceInCollectionsevenmonthsback 2.3408247
LastAppearanceInCollectionsixmonthsback 3.8921513
LastAppearanceInCollectiontenmonthsback 1.8867582
LastAppearanceInCollectionthreemonthsback 3.5468172
LastAppearanceInCollectiontwomonthsback 5.4010784
U6_TotalAmountDue 5.0225549

3

3

1

2

Feature importance
LeadList_M01NonPaymentCount 8.1661872
LeadList_CreditLimitChangeCount 1.6744947
LeadList_M01Expenses 4.3454475
LeadList_EconomicCondition105 0.2861464
LeadList_EconomicCondition110 2.5082391
LeadList_EconomicCondition160 2.6988495
LeadList_EconomicCondition199 1.7037522
LeadList_EconomicCondition201 0.4568391
LeadList_EconomicCondition206 0.6152047
LeadList_EconomicCondition214 0.0801377
LeadList_EconomicCondition333 0.1178631
LeadList_EconomicCondition334 2.4822712
LeadList_EconomicCondition339 1.3115081
LeadList_EconomicCondition340 0.3108431
LeadList_EconomicCondition344 0.1520355
LeadList_EconomicCondition345 3.9068677
LeadList_EconomicCondition350 2.6459023
LeadList_EconomicCondition400 3.0867907
LeadList_EconomicCondition410 3.5648328
LeadList_EconomicCondition420 1.0733872
LeadList_EconomicCondition440 0.3772524
LeadList_EconomicCondition460 0.4188575
LeadList_EconomicCondition500 1.5071173
LeadList_EconomicCondition510 0.2691014
LeadList_EconomicCondition532 0.0822576
LeadList_EconomicCondition550 0.9130747
LeadList_EconomicCondition600 1.4326185
LeadList_EconomicCondition603 0.0894538
LeadList_EconomicCondition777 4.1311006
LeadList_EconomicCondition888 0.6347702
LeadList_EconomicConditionNA 1.6246094
LeadList_M01Payment 1.8649110
LeadList_AmountOverdue 3.3836751
LeadList_Dgt120OverdueCount 0.2814071
LeadList_D30to59OverdueCount 7.6565842
LeadList_D60to89OverdueCount 1.7260981
LeadList_D90to119OverdueCount 0.7481844
LeadList_OverdueCount 12.9561434
LeadList_ProductCode74 2.7217902
LeadList_ProductCode75 1.2318575
LeadList_ProductCodeNA 2.7885832
LeadList_ratio_col11 4.5698048
LeadList_ratio_col12 1.3108477
LeadList_ratio_col13 1.3256682
LeadList_ratio_col14 3.4657822
ATCH_FilaJ1C2 2.5429179
ATCH_FilaJ1C3 2.4595423
ATCH_FilaJ1C4 0.8436472
ATCH_FilaJ1CA 23.3782274
ATCH_FilaJ1CR 6.5545906
ATCH_RiskLevel0 0.0431693
ATCH_RiskLevel1 0.6512056
ATCH_RiskLevel2 7.2100675
ATCH_RiskLevel3 3.2703895
ATCH_RiskLevel4 5.1608742
ATCH_SkillS_1_Pv_TDC_B>9 1.1226882
saldo30d_CRM 10.6769548
saldo60d_CRM 1.1658012
saldo90d_CRM 1.5046177
saldo_12_CRM 4.2925339
total_number_of_non_payments_CRM 0.1496233
Pago_Minimo_Actualizado_CRM 2.6464840
months_since_last_payment_CRM 62.6338432
months_since_last_purchase_CRM 0.1728973
AmountDueBin_CRM1a 13.2764226
AmountDueBin_CRM2a 5.1675825
AmountDueBin_CRM3a 1.6457612
AmountDueBin_CRM4a 0.9702171
AmountDueBin_CRM5a 0.2670395
AmountDueBin_CRM6a 2.9006253
AmountDueBin_CRM7a 3.2785449
AmountDueBin_CRM8a 2.3676061
AmountDueBin_CRMNA 3.9635882
Appearance_PV1_Rolling12_Cycle_LL 5.1620131
Appearance_PV1_Rolling6_Cycle_LL 0.9806705
Appearance_Gracia_Rolling6_Cycle_LL 0.6487262
Appearancesincollecbefore 2.5184830
MaxDepthInCollecBEfore 2.0764720
LastAppearanceInCollectionelevenmonthsback 0.8847433
LastAppearanceInCollectionfivemonthsback 2.5704938
LastAppearanceInCollectionfourmonthsback 3.4491130
LastAppearanceInCollectionNA 1.5572485
LastAppearanceInCollectionninemonthsback 3.1317737
LastAppearanceInCollectionnoappearance 5.5267644
LastAppearanceInCollectiononemonthback 8.0813778
LastAppearanceInCollectionsevenmonthsback 2.3273418
LastAppearanceInCollectionsixmonthsback 4.5242776
LastAppearanceInCollectiontenmonthsback 2.2766539
LastAppearanceInCollectionthreemonthsback 4.5517861
LastAppearanceInCollectiontwomonthsback 5.6573219
U6_TotalAmountDue 3.8713325

3

Naive Bayes

1

1

2

3

2

1

2

3

3

1

2

3

Random Forest

1

1

2

3

2

1

2

3

3

1

2

3

XGBoost

1

1

2

Feature Gain Cover Frequency
months_since_last_payment_CRM 0.4143725 0.2086875 0.0989350
months_since_last_purchase_CRM 0.1083558 0.1224533 0.0922056
LeadList_AmountOverdue 0.0771611 0.0664767 0.0571003
ATCH_FilaJ1CA 0.0553313 0.0611096 0.0390030
saldo30d_CRM 0.0483324 0.0419862 0.0460602
Pago_Minimo_Actualizado_CRM 0.0411710 0.0657477 0.0811010
U6_TotalAmountDue 0.0223475 0.0376096 0.0568396
LeadList_M01NonPaymentCount 0.0208980 0.0180836 0.0169899
saldo_12_CRM 0.0198394 0.0273971 0.0517674
LastAppearanceInCollectiononemonthback 0.0184071 0.0206448 0.0177308
LeadList_M01Expenses 0.0139408 0.0139369 0.0462719
LeadList_D30to59OverdueCount 0.0134837 0.0374113 0.0265639
LeadList_ratio_col13 0.0133662 0.0240473 0.0367754
LeadList_ratio_col14 0.0129824 0.0146545 0.0234767
LeadList_ratio_col11 0.0115851 0.0188571 0.0320852
ATCH_FilaJ1CR 0.0108568 0.0163103 0.0216130
LeadList_ratio_col12 0.0102622 0.0140121 0.0298137
LeadList_M01Payment 0.0095655 0.0078741 0.0320878
ATCH_RiskLevel4 0.0079079 0.0196311 0.0138614
MaxDepthInCollecBEfore 0.0075930 0.0243057 0.0144293
total_number_of_non_payments_CRM 0.0075323 0.0102025 0.0208825
LeadList_CreditLimitChangeCount 0.0055535 0.0146712 0.0176946
ATCH_RiskLevel1 0.0050318 0.0092149 0.0132393
LeadList_OverdueCount 0.0048379 0.0066691 0.0077825
Appearance_PV1_Rolling12_Cycle_LL 0.0039962 0.0083146 0.0108646
ATCH_RiskLevel2 0.0038979 0.0141288 0.0093029
saldo60d_CRM 0.0034125 0.0032660 0.0073153
Appearance_Gracia_Rolling6_Cycle_LL 0.0033495 0.0087299 0.0086344
Appearancesincollecbefore 0.0031705 0.0063817 0.0080174
Appearance_PV1_Rolling6_Cycle_LL 0.0026658 0.0038823 0.0084253
LastAppearanceInCollectionfivemonthsback 0.0026253 0.0131808 0.0053871
LeadList_ProductCode74 0.0021422 0.0091391 0.0059550
LeadList_EconomicCondition350 0.0015692 0.0018637 0.0045198
LastAppearanceInCollectionnoappearance 0.0014610 0.0012023 0.0016004
ATCH_RiskLevel3 0.0013355 0.0041378 0.0036215
LastAppearanceInCollectionelevenmonthsback 0.0012477 0.0106813 0.0030278
LeadList_EconomicCondition101 0.0010798 0.0006369 0.0028600
LastAppearanceInCollectionthreemonthsback 0.0008042 0.0008333 0.0024109
LeadList_EconomicCondition777 0.0006456 0.0009400 0.0019566
LastAppearanceInCollectiontwomonthsback 0.0006379 0.0006290 0.0022380
LeadList_ProductCode75 0.0004967 0.0005555 0.0016546
LeadList_D60to89OverdueCount 0.0004848 0.0006303 0.0017888
LeadList_EconomicCondition410 0.0004455 0.0017554 0.0014868
LastAppearanceInCollectionfourmonthsback 0.0003616 0.0002787 0.0014507
ATCH_FilaJ1C2 0.0003033 0.0003249 0.0011254
LeadList_EconomicCondition550 0.0002767 0.0003439 0.0010351
LeadList_EconomicCondition400 0.0002455 0.0004790 0.0007873
AmountDueBin_CRM2a 0.0002352 0.0002820 0.0009680
AmountDueBin_CRM3a 0.0002346 0.0001954 0.0009009
LeadList_EconomicCondition110 0.0002141 0.0008443 0.0007666
LastAppearanceInCollectiontenmonthsback 0.0002130 0.0003967 0.0008234
ATCH_FilaJ1C3 0.0002021 0.0001493 0.0008621
LeadList_EconomicCondition334 0.0001815 0.0004186 0.0006763
LeadList_EconomicCondition420 0.0001792 0.0005592 0.0006298
LeadList_EconomicCondition460 0.0001712 0.0001782 0.0006298
LeadList_EconomicCondition333 0.0001622 0.0001990 0.0006247
LeadList_D90to119OverdueCount 0.0001338 0.0001542 0.0005756
AmountDueBin_CRM1a 0.0001251 0.0000946 0.0004982
LeadList_EconomicCondition500 0.0001065 0.0002297 0.0004466
LastAppearanceInCollectionsevenmonthsback 0.0001057 0.0006105 0.0003924
AmountDueBin_CRM4a 0.0000810 0.0001854 0.0003459
LeadList_EconomicCondition345 0.0000804 0.0009158 0.0002685
LastAppearanceInCollectionninemonthsback 0.0000600 0.0000627 0.0002246
LastAppearanceInCollectionsixmonthsback 0.0000495 0.0000652 0.0001936
ATCH_FilaJ1C4 0.0000350 0.0000423 0.0001394
LeadList_EconomicCondition440 0.0000230 0.0000412 0.0001033
AmountDueBin_CRM6a 0.0000128 0.0000336 0.0000594
AmountDueBin_CRM5a 0.0000094 0.0000037 0.0000439
LeadList_EconomicCondition160 0.0000063 0.0000177 0.0000232
LeadList_EconomicConditionNA 0.0000032 0.0000019 0.0000077
LeadList_EconomicCondition339 0.0000018 0.0000015 0.0000077
AmountDueBin_CRM7a 0.0000017 0.0000072 0.0000077
LeadList_EconomicCondition888 0.0000008 0.0000006 0.0000026
AmountDueBin_CRMNA 0.0000006 0.0000002 0.0000026

3

2

1

2

Feature Gain Cover Frequency
months_since_last_payment_CRM 0.4085975 0.2049815 0.0947266
months_since_last_purchase_CRM 0.1179131 0.1247520 0.0955827
LeadList_AmountOverdue 0.0688341 0.0642024 0.0593061
saldo30d_CRM 0.0604892 0.0454227 0.0496037
ATCH_FilaJ1CA 0.0542152 0.0602994 0.0388874
Pago_Minimo_Actualizado_CRM 0.0406433 0.0706989 0.0838980
U6_TotalAmountDue 0.0238284 0.0345259 0.0626312
LeadList_ratio_col14 0.0202298 0.0217542 0.0287328
saldo_12_CRM 0.0196991 0.0254351 0.0517063
LeadList_M01NonPaymentCount 0.0186660 0.0173311 0.0158016
LastAppearanceInCollectiononemonthback 0.0158023 0.0211024 0.0179309
LeadList_ratio_col13 0.0127508 0.0190265 0.0338342
LeadList_D30to59OverdueCount 0.0119691 0.0339082 0.0245731
LeadList_M01Expenses 0.0113127 0.0104009 0.0389115
ATCH_FilaJ1CR 0.0103221 0.0163776 0.0203011
LeadList_ratio_col12 0.0097863 0.0118047 0.0281096
LeadList_M01Payment 0.0096804 0.0109171 0.0340749
LeadList_ratio_col11 0.0088212 0.0165343 0.0251697
ATCH_RiskLevel4 0.0077869 0.0213898 0.0135920
MaxDepthInCollecBEfore 0.0076598 0.0244410 0.0162162
total_number_of_non_payments_CRM 0.0071498 0.0090567 0.0203920
Appearance_PV1_Rolling12_Cycle_LL 0.0059682 0.0156431 0.0156705
LeadList_OverdueCount 0.0057832 0.0070194 0.0087608
LeadList_CreditLimitChangeCount 0.0041379 0.0083104 0.0143169
ATCH_RiskLevel2 0.0039927 0.0147646 0.0090471
ATCH_RiskLevel1 0.0037225 0.0076572 0.0114091
Appearancesincollecbefore 0.0033904 0.0061373 0.0083729
saldo60d_CRM 0.0032551 0.0040766 0.0077951
Appearance_Gracia_Rolling6_Cycle_LL 0.0028153 0.0049610 0.0083408
Appearance_PV1_Rolling6_Cycle_LL 0.0025503 0.0033431 0.0078781
ATCH_RiskLevel3 0.0017965 0.0045638 0.0052003
LeadList_ProductCode74 0.0017913 0.0074500 0.0051709
LastAppearanceInCollectionfivemonthsback 0.0016467 0.0085691 0.0045663
LastAppearanceInCollectionelevenmonthsback 0.0016017 0.0124623 0.0037799
LeadList_EconomicCondition410 0.0011975 0.0085146 0.0029907
LeadList_EconomicCondition350 0.0011696 0.0018683 0.0037050
LeadList_D60to89OverdueCount 0.0010269 0.0012321 0.0035525
LastAppearanceInCollectionnoappearance 0.0008186 0.0007988 0.0013589
LeadList_EconomicCondition101 0.0007700 0.0005209 0.0022123
LastAppearanceInCollectiontwomonthsback 0.0006845 0.0005062 0.0021615
ATCH_FilaJ1C2 0.0006718 0.0014829 0.0019742
LeadList_EconomicCondition400 0.0005949 0.0034666 0.0016773
LeadList_EconomicCondition110 0.0005910 0.0046918 0.0018458
LeadList_EconomicCondition777 0.0005383 0.0008265 0.0015970
LeadList_ProductCode75 0.0003650 0.0003614 0.0013402
LeadList_EconomicCondition345 0.0003371 0.0029405 0.0010566
ATCH_FilaJ1C3 0.0003031 0.0001882 0.0010861
LastAppearanceInCollectionthreemonthsback 0.0003002 0.0004172 0.0011556
LastAppearanceInCollectionfourmonthsback 0.0002578 0.0001902 0.0010781
LeadList_EconomicCondition333 0.0001812 0.0002948 0.0006500
LastAppearanceInCollectiontenmonthsback 0.0001559 0.0002686 0.0006126
LeadList_EconomicCondition334 0.0001417 0.0001406 0.0005644
LeadList_EconomicCondition550 0.0001296 0.0001217 0.0005350
LastAppearanceInCollectionsevenmonthsback 0.0001292 0.0005671 0.0005083
AmountDueBin_CRM2a 0.0001197 0.0000763 0.0004842
AmountDueBin_CRM1a 0.0001192 0.0000615 0.0004842
AmountDueBin_CRM3a 0.0001100 0.0000493 0.0004628
ATCH_FilaJ1C4 0.0000956 0.0001164 0.0002943
LeadList_D90to119OverdueCount 0.0000897 0.0000699 0.0003611
LeadList_EconomicCondition420 0.0000839 0.0001162 0.0003451
LastAppearanceInCollectionsixmonthsback 0.0000760 0.0000720 0.0003076
LeadList_EconomicCondition500 0.0000659 0.0001831 0.0002568
LeadList_EconomicCondition460 0.0000520 0.0000353 0.0002113
AmountDueBin_CRMNA 0.0000514 0.0001667 0.0002060
AmountDueBin_CRM4a 0.0000304 0.0000586 0.0001257
AmountDueBin_CRM6a 0.0000283 0.0000268 0.0001257
LeadList_EconomicCondition440 0.0000272 0.0000572 0.0001043
LeadList_EconomicCondition160 0.0000245 0.0001017 0.0000990
LastAppearanceInCollectionninemonthsback 0.0000233 0.0000807 0.0000936
LeadList_EconomicConditionNA 0.0000226 0.0000052 0.0000455
AmountDueBin_CRM5a 0.0000041 0.0000012 0.0000214
AmountDueBin_CRM7a 0.0000019 0.0000003 0.0000107
LeadList_EconomicCondition888 0.0000011 0.0000003 0.0000054
LeadList_EconomicCondition340 0.0000005 0.0000017 0.0000027

3

3

1

2

Feature Gain Cover Frequency
months_since_last_payment_CRM 0.4096496 0.2085494 0.0952097
months_since_last_purchase_CRM 0.1212028 0.1257490 0.1006135
LeadList_AmountOverdue 0.0647169 0.0643638 0.0562985
saldo30d_CRM 0.0616499 0.0493042 0.0459203
ATCH_FilaJ1CA 0.0498430 0.0571559 0.0376702
Pago_Minimo_Actualizado_CRM 0.0387244 0.0642402 0.0785926
U6_TotalAmountDue 0.0232394 0.0353053 0.0600033
LeadList_M01NonPaymentCount 0.0221838 0.0198450 0.0186673
saldo_12_CRM 0.0200082 0.0272736 0.0555284
LeadList_D30to59OverdueCount 0.0178607 0.0420846 0.0333722
LeadList_ratio_col14 0.0162649 0.0178636 0.0244041
LastAppearanceInCollectiononemonthback 0.0162066 0.0216327 0.0182224
ATCH_FilaJ1CR 0.0124586 0.0189305 0.0215552
LeadList_M01Expenses 0.0122335 0.0132162 0.0412059
LeadList_ratio_col13 0.0114049 0.0218233 0.0343817
LeadList_ratio_col12 0.0104298 0.0130351 0.0290091
LeadList_ratio_col11 0.0100759 0.0226932 0.0293187
ATCH_RiskLevel4 0.0086456 0.0234200 0.0148532
LeadList_M01Payment 0.0085054 0.0077430 0.0293031
total_number_of_non_payments_CRM 0.0082089 0.0121604 0.0238733
LeadList_OverdueCount 0.0066246 0.0077920 0.0099281
MaxDepthInCollecBEfore 0.0050964 0.0162687 0.0122801
LeadList_CreditLimitChangeCount 0.0045857 0.0100178 0.0160734
Appearancesincollecbefore 0.0042749 0.0058523 0.0117493
saldo60d_CRM 0.0042713 0.0047085 0.0090566
Appearance_PV1_Rolling12_Cycle_LL 0.0039052 0.0099138 0.0110495
ATCH_RiskLevel1 0.0033280 0.0057422 0.0093349
ATCH_RiskLevel2 0.0031954 0.0134258 0.0074877
Appearance_Gracia_Rolling6_Cycle_LL 0.0021523 0.0042241 0.0073863
ATCH_RiskLevel3 0.0017999 0.0050636 0.0047481
Appearance_PV1_Rolling6_Cycle_LL 0.0017721 0.0017303 0.0060620
LastAppearanceInCollectionnoappearance 0.0015491 0.0018566 0.0021984
LeadList_EconomicCondition410 0.0014145 0.0088235 0.0038714
LastAppearanceInCollectionfivemonthsback 0.0013973 0.0089015 0.0035930
LeadList_ProductCode74 0.0013135 0.0061956 0.0039780
LeadList_EconomicCondition350 0.0012761 0.0031257 0.0039260
LastAppearanceInCollectionelevenmonthsback 0.0011970 0.0068201 0.0033172
LeadList_EconomicCondition400 0.0007896 0.0042719 0.0023546
LeadList_D60to89OverdueCount 0.0006815 0.0006262 0.0025835
LastAppearanceInCollectionthreemonthsback 0.0006742 0.0006913 0.0021802
LeadList_ProductCode75 0.0005351 0.0006511 0.0018082
LastAppearanceInCollectiontwomonthsback 0.0005266 0.0005776 0.0019591
LeadList_EconomicCondition101 0.0004799 0.0002878 0.0014387
ATCH_FilaJ1C2 0.0004022 0.0006238 0.0012280
AmountDueBin_CRM2a 0.0003745 0.0002039 0.0014257
LeadList_EconomicCondition777 0.0003718 0.0007739 0.0011005
LastAppearanceInCollectionfourmonthsback 0.0003400 0.0001924 0.0012722
LastAppearanceInCollectiontenmonthsback 0.0002129 0.0004505 0.0008039
LeadList_EconomicCondition334 0.0001658 0.0002390 0.0006426
saldo90d_CRM 0.0001651 0.0000786 0.0007389
ATCH_FilaJ1C3 0.0001579 0.0001429 0.0006114
LeadList_EconomicCondition420 0.0001563 0.0001711 0.0006322
LeadList_EconomicCondition333 0.0001563 0.0001779 0.0007233
LastAppearanceInCollectionsevenmonthsback 0.0001414 0.0010570 0.0004995
AmountDueBin_CRM1a 0.0001392 0.0000882 0.0005307
LastAppearanceInCollectionsixmonthsback 0.0001192 0.0001490 0.0004345
LeadList_EconomicCondition460 0.0001157 0.0001119 0.0004787
LeadList_EconomicCondition110 0.0001025 0.0006202 0.0003668
LeadList_D90to119OverdueCount 0.0000993 0.0001034 0.0004241
AmountDueBin_CRM3a 0.0000947 0.0000858 0.0003668
LeadList_EconomicCondition500 0.0000926 0.0002968 0.0003694
LeadList_EconomicCondition550 0.0000556 0.0000537 0.0002472
ATCH_FilaJ1C4 0.0000369 0.0000266 0.0001483
LeadList_EconomicCondition160 0.0000265 0.0001034 0.0000963
LeadList_EconomicCondition440 0.0000260 0.0000587 0.0001015
AmountDueBin_CRM5a 0.0000228 0.0000242 0.0000937
AmountDueBin_CRM6a 0.0000222 0.0000249 0.0000937
LastAppearanceInCollectionninemonthsback 0.0000174 0.0000223 0.0000754
LeadList_EconomicCondition345 0.0000150 0.0001434 0.0000494
AmountDueBin_CRM4a 0.0000141 0.0000155 0.0000650
LeadList_EconomicConditionNA 0.0000034 0.0000038 0.0000130

3

SVM

1

1

ROC Curves

1

1

2

3

2

1

2

3

3

1

2

3

Overall

1

2

3

4